Transcription

2 Privacy is important especially when you consider the various ways that we can communicate and interact today. Blue Badge Insurance Australia Pty Ltd and Blue Badge Community Australia Pty Ltd are committed to handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. This Privacy Policy applies to personal information that we collect from you. It also applies to personal information that we collect about you from third parties, including WHO DOES THIS PRIVACY POLICY APPLY TO Blue Badge Insurance Australia Pty Ltd (BBIA) and Blue Badge Community Australia Pty Ltd (BBCA) are associated and both provide a range of products and services. These entities will be referred to in this Privacy Policy as we, us or our. WHY DO WE COLLECT PERSONAL INFORMATION? Personal information is information or an opinion about an identified individual or an individual who is reasonably identifiable. We collect personal information so that we can: identify you and conduct appropriate checks; understand your requirements and provide you with a product or service, access to the BBCA Membership (if selected), updates, newsletters, invitations to participate in surveys made either via our website or s; set up, administer and manage our products, services and systems, including the management and administration of underwriting and claims; assess and investigate any claims you make under one or more of our products; manage, train and develop our employees and representatives; manage complaints and disputes, and report to underwriters and dispute resolution bodies; and get a better understanding of you, your needs, your behaviours and how you interact with us, so we can engage in product and service research, development and business strategy including managing the delivery of our services and products via the ways we communicate with you. WHAT HAPPENS IF YOU DO NOT PROVIDE YOUR PERSONAL INFORMATION? If we ask for your personal information and you don t give it to us, we may not be able to: Provide you with any, some, or all of the benefits of our products and services. Offer BBCA Membership, BBIA Insurance products, determine the amount of any premiums and associated fees, or to assess claims; Manage and administer our relationship with you; Let you know about other products or services or benefits that may be of interest to you; and Verify your identity and protect against fraud. Page 2

3 HOW WE HANDLE YOUR PERSONAL INFORMATION COLLECTING & DISCLOSING PERSONAL INFORMATION We collect your personal information directly from you and, in some cases, from other people or organisations. We also provide your personal information to our associated entities and they may disclose or use your personal information for the purposes described in Why do we collect personal information? in relation to products and services they may provide to you. They may also use your personal information to help them provide products and services to other customers, but they ll never disclosure your personal information to another customer without your consent. We will use and disclose your personal information for the purposes we collected it as well as purposes that are related, where you would reasonably expect us to. We may disclose your personal information to and/or collect your personal information from: our related companies; customer, product, business or strategic research and development organisations; any organisation that provides us with information in connection with financial services; social media and other virtual communities and networks where people create, share or exchange information; associations, member loyalty programs, competition promoters and industry organisations; a third party that we ve contracted to provide financial services, financial products or administrative services for example: o information technology providers; o claims management service providers o equipment manufacturers, dealers and or suppliers, parts and accessory providers; o marketing agencies and other marketing service providers; and o print/ mail/ digital service providers; and o imaging and document management services. a third party claimant or witness in a claim; in the case of a relationship with an Interested Party such as bank, credit union or finance lender; government, statutory or regulatory and enforcement bodies; policy or product holders or others who are authorised or noted on the policy as having a legal interest, including where you are an insured person but not the policy or product holder; the Financial Ombudsman Service or any other external dispute resolution body; your insurer, other insurers, insurance investigators and claims or insurance reference services, loss assessors and any new incoming insurer; legal, accounting, auditors and any other professional advisors or consultants; hospitals and medical, health or wellbeing professionals; debt collection agencies; and any other organisation or person, where you ve asked them to provide your personal information to us or asked us to obtain personal information from them. Page 3

4 We ll use a variety of methods to collect your personal information including sign up and profile creation forms, and we will disclose your personal information to these persons and organisations via electronic or written delivery. We may collect and disclose your personal information to these persons and organisations during the information life cycle, regularly, or on an ad hoc basis, depending on the purpose of collection. COLLECTING INFORMATION THROUGH OUR WEBISTES When you visit our website (<insert >), we may use a cookie which is a small data file that is placed on the computer of a website user (usually in the browser software folder). Cookies are generally used only to facilitate your access to secure areas of our websites. We may also derive general information from cookies such statistics relating to the number of visitors to our websites or how our websites are used. You can set your internet browser to refuse cookies however this may mean that you are not able to take full advantage of the services and information offered through our websites. We will handle any personal information that is collected through the use of our websites in accordance with this Privacy Policy. We cannot guarantee that information sent over the internet is secure. COLLECTING SENSITIVE INFORMATION Sensitive information is information about a person s racial or ethnic origin, political opinions, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association or trade union, sexual preferences or practices, criminal record, health information, genetic or biometric information. We will not collect, use or disclosure sensitive information about you unless: We are legally required to do so; or We need that information for one of our functions or activities and we have your consent. UNSOLICITED INFORMATION Sometimes we may receive unsolicited personal information about you. If so, we will check whether or not that the information is reasonably necessary for our functions or activities and we could have collected it from you if we had solicited the information. If it is, we ll handle this information the same way we do with other information we seek from you. If not, and it is lawful and reasonable to do so, we ll ensure we do the right thing and destroy or de-identify it. COLLECTING INFORMATION FROM PROSPECTIVE EMPLOYEES As part of the employment screening process we generally collect the following personal information about prospective employees in order to process and evaluate applications for employment: Name and residential address; Police security clearance; Page 4

5 Employment reference reviews; & Employment history. Information from unsuccessful applicants may be kept for up to six months to allow those candidates to be considered for appropriate future opportunities. OVERSEAS DISCLOSURE For all insurance applications with Lloyd s of London UK, we need to provide your personal information to or get personal information about you from persons or organisations like the Lloyd s broker and underwriters at Lloyd s of London located overseas, for the same purposes as in Why do we collect personal information? We implement reasonable measures to ensure that an overseas recipient of your personal information does not breach the privacy laws in Australia. Your Certificate of Insurance will identify the insurer s details and location. YOUR CONSENT & OUR MARKETING PRACTICES By providing us with your personal information you consent to its collection and use for these purposes. Every now and then, we and any related companies that use the Blue Badge brand might let you know via mail, SMS, , telephone or online about news, special offers, products and services that you might be interested in. We will engage in marketing unless you tell us otherwise. You can unsubscribe or contact us to change your marketing preferences at any time. In order to carry out our direct marketing we collect your personal information from and disclose it to others that provide us with specialised data matching, trending or analytical services, as well as general marketing services (you can see the full list of persons and organisations under How we handle your personal information ). We may also collect your personal information for marketing through competitions and by purchasing contact lists. We, and other people who provide us with services, may combine the personal information collected from you or others, with the information we, or our related companies, or our service providers already hold about you. We may also use online targeted marketing, data and audience matching and market segmentation to improve advertising relevance to you. MANAGING YOUR PERSONAL INFORMATION HOW DO WE STORE YOUR PERSONAL INFORMATION We store information in different ways, mainly in electronic form but from time to time in paper form. The security of your personal information is important to us and we take reasonable steps to protect it from misuse, interference and loss, and from unauthorised access, modification or disclosure. Some of the ways we manage the security of your personal information includes: Limiting access to the business premises; Confidentiality requirements placed on our employees; Page 5

6 Record management processes; Security measures embedded within our various systems and IT applications; Limiting access to personal information to those employees who reasonably requires access to it in order to perform their duties; and Electronic security systems, such as firewalls and data encryption on our websites. Where we store personal information electronically with third party data storage providers we use contractual arrangements to ensure those providers take appropriate measures to protect that information and restrict the uses to which they can put that information. HOW WE MANAGE YOUR PERSONAL INFORMATION IF WE NO LONGER NEED IT We ll only keep your information for as long as we require it for the purposes that it was collected for. We are required to keep some of your information for certain periods of time under law. When we no longer require your information, we ll ensure that your information is destroyed or de-identified. HOW YOU CAN ACCESS & CORRECT YOUR PERSONAL INFOMATION You have the right to access and correct your personal information held by us and you can find information about how to do this in the Blue Badge Insurance Privacy Statement Contact Us section. HOW CAN YOU CORRECT YOUR PERSONAL INFORMATION We will endeavour to ensure that tour personal information that we collect, use or disclose is accurate, complete, up-to-date and relevant for the purposes for which it was collected. If you believe that the personal information that we hold about you or that has been released to others is: inaccurate, out of date, incomplete, irrelevant or misleading then contact our Privacy Officer to inform us about the correction and we will endeavour to rectify the matter. If we cannot assist you with your concerns regarding your personal information we will we ll let you know in writing. Contact details for the Privacy Officer are contained in the Contact Us section. TIME FRAME FOR CORRECTING INFORMATION If we agree to correct your information, we ll do so within 30 days from when you asked us, or a longer period that has been agreed by you. Page 6

7 If we can t make corrections within a 30 day time frame or the agreed time frame, we will: let you know about the delay, the reasons for it and when we expect to resolve the matter; ask you to agree in writing to give us more time; and let you know you can complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner. RESOLVING YOUR PRIVACY ISSUES HOW DO YOU MAKE A COMPLAINT? If you have concerns as to whether there has been a breach of privacy or you do not agree with a decision we have made about your access to or correction of personal information, you can make a complaint to our Privacy Officer. We will manage complaint by following our internal complaint resolution process. NEED MORE HELP? If you are not happy with the way we have handled your complaint you may refer the matter to our external dispute resolution scheme or the Office of the Australian Information Commissioner. The Financial Ombudsman Service Ltd Telephone: Facsimile: (03) The Office of the Australian Information Commissioner Telephone: Website: Mail: GPO Box 5218, Sydney, NSW, GPO Box 2999, Canberra, ACT, CONTACT US Please contact our Privacy Officer if you wish to: Access or correct your personal information, To make a privacy related complaint; You have any questions or comments about our Privacy Policy; or The way that we handle your personal information. You contact us by: Writing to us at: PO Box 428, St Leonards, NSW, sending an to: calling us on: Page 7

8 ANONYMOUS/PSEUDONYM If you have general enquiry type questions, you can choose to do this anonymously or use a pseudonym. However generally, we won t be able to deal with you anonymously or where you are using a pseudonym when: it is impracticable; or we are required or authorised by law or a court/tribunal order to deal with you personally. We may offer anonymity in respect of surveys and questionnaires. CHANGES TO THIS PRIVACY POLICY This Privacy Policy may change at any time. We will let you know of any changes to this Privacy Policy by posting a notification on our website. We encourage you to review our Privacy Policy on our website from time-to-time to ensure that you are aware of any changes. Any changes to our Privacy Policy will be effective on the date that they are published on the BBIA or BBCA websites. Page 8

AAMI GENERAL INSURANCE CUSTOMER PRIVACY STATEMENT Privacy is Important especially when you consider the number of ways we communicate and interact these days. That s why we ve put together this statement.

Information Handling Policy 10 December 2015 Information Handling Policy 1. Who We Are 1.1 In this Information Handling Policy, references to we, our, us and ClearView are to ClearView Wealth Limited and

PRIVACY POLICY Business Chicks Pty Ltd A.C.N. 121 566 934 (we, us, our, or Business Chicks) recognises and values the protection of your privacy. We also understand that you want clarity about how we manage

Ausgrid Privacy Policy Ausgrid is responsible for the safe and reliable supply of electricity to homes and businesses throughout Sydney, the Hunter and the Central Coast. Its network is made up of more

PRIVACY POLICY Conexus Financial Pty Ltd [ABN 51 120 292 257], (referred to as Conexus, us, we" or our"), are committed to protecting the privacy of the personal information that we collect and complying

Household Removals Claim form Notes: The issue of this claim form is not an admission of liability on our part. All questions must be fully answered in either black or blue pen. Please print clearly and

Privacy Policy Australian Construction Products Pty Limited What is this privacy policy about? This Privacy Policy describes how Australian Construction Products 63 091 618 781 (we or us) will treat the

PRIVACY AND CREDIT REPORTING POLICY 12 March 2014 CONTENTS What is personal information?...3 Information we may collect, use and disclose about you...4 Collection of sensitive information...6 How personal

Purpose Australian Institute of Professional Education P/L (AIPE/we/our) is committed to providing all stakeholders with the highest levels of professional service. The purpose of this Privacy Policy is

Privacy fact sheet 17 Australian Privacy Principles January 2014 From 12 March 2014, the Australian Privacy Principles (APPs) will replace the National Privacy Principles Information Privacy Principles

Privacy Policy ISGM believes that privacy is an important individual right, and to that end we will endeavour to abide by the Australian Privacy Principles, as set out in the Privacy Act 1988 (the Act).

NEXT BUSINESS TELECOM PRIVACY POLICY The Next Business Telecom brand (Next Business Telecom, we, us, our) Next Business Telecom provides data and voice services to its customers with a focus on business

Captain Compare Privacy Policy This Privacy Policy contains important information about the type of personal information we collect from you on the Captain Compare website (www.captaincompare.com.au) (Website),

TEG Live Privacy Policy We Respect Your Privacy At TEG Live * the security of personal information that we collect is of utmost importance to us. You can find information about how we handle and manage

Privacy Policy 1. Introduction Federal Insurance Company, Singapore Branch ( we, our or us ) recognise the importance of protecting the privacy and the rights of individuals in relation to their personal

Add New Account Signatories (ie. Additions to existing signatories) c Complete PART A, PART D & PART E only Change Number to Sign to Operate (ie. Method of Operation) a Complete PART B & PART D only Delete

Alpha Securities Privacy Policy Issued by Alpha Securities Pty Ltd Effective May 2014 Contents About this policy 3 What is personal information? 3 What kinds of personal information do we collect and hold?

Racing Internet Services Privacy Policy I. ABOUT THIS POLICY Racing Internet Services and its related bodies corporate ( Company or we ) want you to be familiar with how we collect, use and disclose information

Privacy Policy Version 4 Issue date: 5 August 2014 When you trust us with your personal information, you expect us to protect it and keep it safe. We are bound by the Privacy Act 1988 (Cth) ( Privacy Act

Westpac Privacy Policy Our privacy commitment to you 12 March 2014 Contents About this policy... 3 What is personal information?... 3 What kinds of personal information do we collect and hold?... 3 For

ASPEN AUSTRALIA BRANCH PRIVACY POLICY INTRODUCTION This policy applies to the operations of Aspen s Australia branch. Aspen is committed to complying with the principles of the Privacy Act 1988 and accordingly

ShineWing Australia Wealth Privacy Policy When you trust us with your personal information, you expect us to protect it and keep it safe. We take this responsibility seriously and we are bound by the Privacy

Privacy Policy Penleigh and Essendon Grammar School ACN 006 038 071 (which, for the purpose of this Privacy Policy includes any of its Related Bodies Corporate, as that term is defined in the Corporations

PRIVACY POLICY 1. Introduction Catalyst Consulting & Events (CCE) takes seriously its commitment to preserve the privacy of the personal information that we collect. We will only collect information that

Privacy Policy 30 January 2015 Table of Contents 1 Overview 3 Purpose 3 Scope 3 2 Collection 3 What information do we collect? 3 What if you do not give us the information we request? 4 3 Use of information

PRIVACY POLICY Date created 26 May 2015 When you trust us with your personal information, you expect us to protect it and keep it safe. We are bound by the Privacy Act 1988 (Cth) ( Privacy Act ) and will

Privacy Policy Singapore 2015 September 2015 Westpac Banking Corporation ABN 33 007 457 141 Privacy Policy When you trust us with your personal information, you expect us to protect it and keep it safe.

Privacy Policy (Solitaire Automotive) Solitaire Automotive Group is committed to ensuring that any personal information collected during the course of our operations is treated with respect and managed

Privacy Statement April 2015 RACT Health Insurance is provided by GMHBA Limited. In this privacy statement, references to RACT Health Insurance are references to GMHBA Limited. References to RACT are references

PRIVACY POLICY Introduction iproximity Pty Ltd (we, our, us) recognise the importance of protecting the privacy and the rights of individuals in relation to their personal information this includes existing

Stockbroking INDIVIDUAL/JOINT ACCOUNT application form Please only use this form when you wish to open a Suncorp Share Trade Account: in your name, or in joint names In order to process your application

amaysim Privacy Policy Valid as of 07 October 2015-1 of 8 - amaysim Australia Pty Ltd ABN 65 143 613 478 (referred to in this document as amaysim or we or us ). 1. Protection of your privacy and personal

Credit Information Management Policy Australia 1. About this policy We respect your privacy. We are committed to protecting the personal information we collect from you in accordance with Australian law.

Privacy Policy Privacy Policy Fletcher Building Limited and Fletcher Building (Australia) Pty Ltd What is this privacy policy about? This Privacy Policy describes how Fletcher Building Limited and Fletcher